BARCLAYS BANK DELAWARE

2019-10-03

Bronx, NY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Investigation took more than 30 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Key Biscayne, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-02

El Paso, AR

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-02

Brooklyn, NY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-02

Flushing, NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: Last XX/XX/2019 I was fully paid my balances included interest charged.On this XXXX statement I have XXXX balance but they still charged me worth of {$36.00} for this statement.I called the company and I spoke the manager her name is XXXX to requested to waived this interest charged because I have XXXX balance for this XXXX statement .But, she denied my request.Im complaining this company because This not fair to charged me additional interest with XXXX balance in my account..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-02

Dr Martin Luther King Jr, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-02

Buena Vista, CO

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-02

Brooklyn, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

AR

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: The issue I'm currently experiencing with my Visa, Wyndam Rewards card. Around the end of XXXX early XX/XX/2019, I called my CC 's 800 number to simply check my balance. When I called in I was not offered an option to hear my account balance via the automated system I was sent to a Customer Service Rep. I verified myself and explained to the CSR that I was in a hurry, I just need to get my account balance but was unable to retrieve it through the automated system. To which the agent stated that she would first need to clear up the fraudulent transaction 'flag ' she was getting ; as we started this process she wanted to mail me a new a card, I declined. There was an obvious language barrier ; she stated that she could not complete the action w/out requesting a new card. I let her know I didn't have time to do this, I just wanted my account balance to just leave the charge for now and that I'd call back and deal w/ it later. She would not give me my balance information, to which I became very upset and asked what would happen to my account balance if I were to just cancel the account. She answered my question. She then asked me if I wished to close my account ; I told her no, I believe I was cursing because I was so upset I still didn't have my account balance after all this and disconnected the line. I called back on XX/XX/2019 to inquire about my account balance ( as I pay my bills at the end of the month ). Again, I was not offered the automated system and was given to an agent. The first thing I brought up was taking care of the fraud charge and stated that if it was necessary to go ahead and send me a replacement card. The agent was very helpful in getting my account balance but was confused as to why I kept mentioning the mailing the of a new card. After a lot of back and forth and a clear language barrier, the CSR disclosed that my account was closed. To which I informed her that I had never requested for my account to be closed. I requested a Supervisor ; I was put on hold for over 30min. only to be told no Supervisor was available and that it would be taken care of by her supervisor w/in the next 24-48 hours and that they would listen to phone call to confirm. Today, XX/XX/2019 I received a letter from Barclays that they apologize but are unable to reopen my account. I then tried calling back and requested to speak to a supervisor about my problem and was left on hold for over and hour and a half ; at which time my cell phone dropped the call. I am not only upset that this agency has fraudulently closed my account without my request or permission. Then lie to me and tell me that it will be taken care of as it was their mistake. And then like a coward send me a letter in the mail stating that it's against their procedures to re-open accounts .... Well where in their procedures does it give a CSR the right to just close an account without the cardholders request or approval.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

Fort Lauderdale, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

Sunnyvale, CA

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

Boston, MA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Dear CFPB, I am writing to you dispute information that Barclays Bank has reported to the credit bureaus regarding a late payment. In the month of XXXX, 2019, Barclays Bank reported to XXXX, XXXX & XXXX that my payment was 30 days late. I would like you to please review this case. In XXXX of 2019 I was enrolled into XXXX XXXX XXXX account which would close my Barclays Bank account and XXXX would make payments to this account moving forward. XXXX advised me to make the first 2 months payment on my own as it may take up to 8 weeks for them to begin making payments. In XXXX of 2019 I noticed XXXX had not made a payment yet and I knew it was approaching the due date. I called XXXX and they said that payment would be made on time. I called Barclays Bank to inform them that I did not want any late payment to be reflected on my account or on my credit report if the XXXX payment did not go through on time. I would prevent that by making payments on my own from my own checking account. On XX/XX/XXXX I had a 45 minute phone call with Barclays Bank representative named XXXX. I specifically discussed with XXXX, that since I am enrolled in this program, if XXXX fails to make payment on time, I would make my own payment to prevent any late payment from being reporting to the credit bureau. XXXX put me on hold to consult with his supervisor and then came back from hold and stated since you are enrolled in the debt relief management program we will not report late payments to the credit bureau. This was the last 30 seconds of the 45 minute phone call on XX/XX/2019, which I have recorded on my XXXX XXXX XXXX XXXX account, and was also recorded by Barclays Bank. In this statement I was specifically advised by the creditor that if the payment that is to be made by XXXX is not made on time, it would not reflect on my credit report. Since I was advised of this by XXXX I did not make any payment on my own and waited for XXXX to process payment to Barclays Bank. Weeks later, I was notified that the XXXX payment had not been processed on time and Barclays Bank did report a late payment to the credit bureaus, resulting in my first-time-ever late payment and significantly dropping my credit scores. I had immediately called Barclays Bank bank several times and discussed this entire situation, asking Barclays Bank representatives to look into this and remove the late payment reporting and honor what their colleague from Barclays Bank told me. I placed 7 phone calls to Barclays Bank. One representative did look into the recorded phone calls and confirmed with me that she located and listened to this conversation with XXXX on XX/XX/XXXX, where XXXX stated that this would not be reported to the credit bureaus, and she said she would submit this to a manager who would call me back. I never received a call back, and nobody from Barclays Bank has been able to help me rectify this. I filed a complaint with the creditor, and filed this information to XXXX, XXXX and XXXX, and still they are showing 30 days late on this account in XX/XX/2019. It has been over 45 days since I reported all of this. I am asking you to please honor what I was told, and please help remove that late payment reporting from XXXX of 2019 as I am an honest individual who has ALWAYS made every payment due on time for every account I have ever had throughout the history of my entire life. It should not be reflected on my account if I was misinformed by the creditor. I did exactly what I was told to do, and could have prevented this if the creditor had given me accurate information. Please understand that I was led to believe that a late payment by XXXX would not be reported on my credit account, otherwise I would have made the payment myself. I am perfectly capable of making payments myself on time. Moving forward I will not take any chances waiting for XXXX to make payments, and I will post payments myself. I am asking you to please understand my situation and please see my credit payment history, Barclays Bank acceptance letter of enrollment into XXXX XXXX XXXX account, as well as the above referenced phone call. I can provide any further information necessary and I can be reached by email or phone call : XXXX XXXX XXXX ( XXXX ) XXXX Thank you for taking the time to help me rectify the reporting on my credit account. Appreciatively Yours, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

Yonkers, NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-30

Atl, GA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-30

Buford, GA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-30

FL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I sent a {$24000.00} that I received from the closing lawyer after my home closing to pay off Barclays, my credit card company based in Delaware. This {$24000.00} check cleared XX/XX/XXXX. XXXX deposited this into someone else 's account ( they wrote an account number on the check that isn't mine ). I spoke with XXXX at Barclays on XX/XX/XXXX and she assured me that seeing as I had all the documentation from the lawyer showing the check clearing that it would be rectified in 30 days at the most. I then received a letter from Barclay the first week of XX/XX/XXXX stating they needed a hard copy of the cleared check and the letter stated this would be rectified in 10 business days. This was nearly a month ago. I spoke to a manager XXXX XX/XX/XXXX and she assured me she was personally escalating this and she would personally see this was resolved by today ( XX/XX/XXXX at the latest ). I received a letter Friday ( XX/XX/XXXX ) stating Barclays is reviewing my account dispute and needs 45 days. I called Barclays today ( XX/XX/XXXX ) and spoke with another manager, XXXX who assured me she was personally escalating this and she would personally see this was resolved. I have been working diligently attempting without success to get MY money. I have spoken with customer service as well as managers. I have provided all the proof they required ( I had to contact the title company and the lawyers office to even be able to access a copy of the cleared check ). This company has made me spend hours and hours of my time without giving me any help to get me my money. My funds are still applied to someone else 's account.. i.e. FRAUD!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-28

Nyc, NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: I applied for the XXXX credit card with Barclays. I have an amazing relationship with Barclays - have never been late, have never gone over my limit, etc. Further, I have amazing credit. By Barclays own FICO tool, I have a credit score of XXXX. That said, Barclays refused to issue me the card because they said I had opened other credit cards, or even dared to apply, with other banks. Yes, because I had sought credit with other banks. The agent I spoke with told me that they need to see " time away from seeking credit '' with those other banks. Barclays absolutely should not be allowed to deny credit cards as retaliation for using other banks for your credit needs. Our credit system shouldn't be as such that a bank can monopolize all your credit and retaliate against you if you do not agree to stay only with them. They should only be looking at risk and with a XXXX credit score there is clearly no risk. It saddens me that Barclays has done this because it means that millions of Americans who are not loyal to Barclays are going to be locked out of credit. I even offered to move credit from one card I have with them to another. This would create 0.0 % increased risk because they are not issuing any new credit, only moving what they have already agreed to extend me. It is clear retaliation and it must stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-28

Hinsdale, IL

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked XXXX XXXX to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

Moapa, NV

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I have called several times plus faxed in a copy of my cashed check for {$2800.00} that they cashed on XX/XX/XXXX. They still claim on XX/XX/XXXX that I have not made a payment. Barclays XXXX XXXX Credit Card has shut off my account for new charges. I never missed a payment in full ever since I have had this card. I talked to a customer service person named XXXX who couldn't get a manager on the line after waiting 57 minutes on the line.I sent in a check for {$5700.00} on XX/XX/XXXX overnighted with the Post Office because it was going to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. I have documentation of this being delivered on XX/XX/XXXX. It cost me {$25.00} to do so and they never posted the payment. My credit score has gone down because of these bad practices of accounting. Also they been charging my account with late fees and interest while holding my money for almost a month. Please note there are two attachments supporting this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-09-27

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : ACC # # XXXX, Opened Date XX/XX/XXXX ; Limit {$7000.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I've had the Barclays Visa Credit since XX/XX/XXXX with a excellent pay history until I was diagnosed with XXXX XXXX. My salary was cut in half which made difficult so contacted my creditors. Every creditor I had made reasonable arrangement with and sent a letter with the terms of the agreement. I successfully completed the payment plan without any derogatory information nor did they cancel the card. I contacted Barclays for assistance to help with me making my payment without them reporting past due information. In XXXX, Barclays Credit Card/Bank agreed to place my account on a payment plan. My understanding with the information provided was for lower payments, credit card would be closed, no late fee without interest and report payments history from payment plan. They did lower the payments in the payment plan but interest was added and representative provided incorrect information. The incorrect information caused issues with the payment plan where Barclays canceled the plan without notifying me. Therefore, I continued to make payment plan amount each month then I received an credit monitoring alert notifying me of a derogatory information on my credit report. I called Barclays and was told the payment agreement wasn't completed as agreed so they canceled the plan. I disputed the item my credit report, filed a complaint with XXXX to remove the past due information. They stated something entirely different from what I initially agreed to and I tried to tell them what I was told. I requested the payment plan in writing but I got the round-around with vague answer and transferred from department to another. In XXXX, I borrowed the money from a relative to pay Barclays off because they were adding interest with {$10.00} going toward the principal. Therefore, it would have been XXXX before I completed a payment plan for {$1200.00} balance. Although assured me it would not affect my credit report because of the payment plan. Barclays did not tell the truth about payment plan especially the interest without derogatory information on my credit report. On XX/XX/XXXX, I was denied credit because of the Barclays 60 days past due item that shouldn't be there. When I disputed the 60 days past due, it came back saying it was 60 days past due. I was in a payment plan with the assurance only the payment plan history would be reported to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

MA

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: General-purpose credit card or charge card

Problem with personal statement of dispute
Complaint: Dear bureau worker, I am requesting for your help because I am disagree with my Barclays bank reporting for the late payments on XX/XX/XXXX. On my last payment of {$31.00} on XX/XX/XXXX I had a left balance of {$1200.00} and set up an automated payments which had to start from the next payment cycle. I did not receive any emails or phone calls that I have problems with payment. On the XX/XX/XXXX I called to the bank to find out my outstanding balance, and found out that non of my automated payments went through and I was reported as a late payments. I was trying to resolve that issue and they just keep telling me to contact via letter to the FCRA and I did that once, never got the answer and now hoping for your help. Please, help me to remove this late payment from my credit report. It makes my life much harder and I am really working toward my credit history. If you can check the other credit cars and auto loan that I have, I do not have any late payment. Please, help me. Thank you for your time! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-26

FL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: On XX/XX/19 I over paid my Barclay MasterCard balance by almost {$6000.00} ( {$5700.00} ). This amount was supposed to go to a different credit card balance. We were traveling at the time. I called and ask them to refund the balance, my bill was around {$250.00}. First they said they would send me a check in 5 - 7 business days. I told them I wasn't at home would they just put the money back to the checking account I paid them with. After putting me on hold, they came back and said yes but it would take up tp 25 business days. I told them that is an insane amount of time to electronic transfer funds, should take 2 minutes, but I agreed because we were out of town. On XX/XX/19 I logged onto our account and there was an email which said they can send me a check for the credit balance on my account. I emailed them back and said " what are you saying, I was told you are transferring the money to my checking account ''? They responded with, oh sorry, yes we are! I talked to them today, XX/XX/19 and of course they have done nothing. I was told sorry they didn't transfer it and can't. I told them this is unacceptable, you have thousands of dollars of mine, held it for 30 plus days and now say you can't do what you told me you would do. They want to send me a check but we are still not home. PLEASE HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-26

El Sobrante, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response